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Global Website Privacy Notice

Last Updated: May 2018

This privacy notice describes how Willis Towers Watson handles personal information collected through www.willistowerswatson.com and other websites controlled by Willis Towers Watson that link to this privacy notice. If you do not agree to this privacy notice, you should cease using this website and you should not provide your personal information to us.

1. Scope of this privacy notice

This privacy notice only applies to willistowerswatson.com and any other
website of Willis Towers Watson where a link to this privacy notice is
provided (the "Websites").

Willis Towers Watson operates worldwide through subsidiary and affiliate
companies. A list of the Willis Towers Watson group companies
(collectively, "Willis Towers Watson," "we,"
"us," or "our") can be viewed here. The Websites
are controlled by Willis Towers Watson plc, unless a Website identifies
(in its terms of use or otherwise) that it is controlled by another Willis
Towers Watson entity. Willis Towers Watson group companies (as well as
individual divisions of Willis Towers Watson) may have their own websites
with their own privacy notices, in which case this privacy notice will not
apply to such websites unless such website provides a link to this privacy
notice.

Websites and specific web pages linked from willistowerswatson.com may be
subject to separate terms of use (including separate privacy notices). You
must not provide Personal Information if you do not accept such terms of
use.

Where links from our Websites are provided to non-Willis Towers Watson
websites, Willis Towers Watson is not responsible for those websites. The
inclusion of a link to a third-party website does not imply endorsement of
the linked site or service by us or our affiliates. These third-party
websites will be governed by different terms of use (including privacy
notices) and you are solely responsible for viewing and using each such
website in accordance with the applicable terms of use. Willis Towers
Watson is not responsible for how your Personal Information is handled by
such third-party websites.

If you are a job applicant, please note that a separate privacy notice
will apply to Personal Information collected through our job application
portal. This can be viewed in the job application portal.

2. Cross-border transfer

The Websites are controlled and operated by us from the United States.
Your Personal Information may be stored and processed in any country where
we have facilities or in which we engage service providers, and by using
the Websites you acknowledge that we may transfer information to countries
outside of your country of residence, including the United States, which
may have data protection rules that are different from those of your
country. We have established safeguards to protect Personal Information
that is transferred to other countries, including appropriate contractual
protections. For more information on the appropriate safeguards in place,
please contact us using the details below.

3. Personal information we may collect from you

"Personal Information" is information that identifies you as an individual or relates to an
identifiable individual. Personal Information we may collect through our Websites includes:

any interest you have in relation to our services or our practice areas;

any information you may voluntarily submit to us by completing any form on our Websites; and

details of your visits to and usage of our Website

We may collect Personal Information in various ways:

from any form you may complete and submit through our Websites, for example information collected from the
"Contact Us" page of our Websites;

from the content of surveys that you may complete on our Websites;

from session 'cookies' and other similar tools deployed on parts of our Websites that can only be
accessed by authenticated users who are logged into the Website (for further information regarding cookies used
on our Websites, please see Section 6 below)

when you provide information as a client in connection with us providing professional services to you. Such
information may be collected through willistowerswatson.com when clients access Willis Towers Watson client
links within this Website. Access will be subject to the terms of business we have with clients and any
additional terms and conditions of use attached to those sites; and

from other sources, such as public databases, joint marketing partners, social media platforms (including
from people with whom you are friends or otherwise connected) and from other third parties.

4. Legal bases for processing personal information

We process Personal Information for our legitimate business interests
(outlined in section 5 below), to perform contracts that you may have with
us (for example if you use client services accessed through the Websites)
and to comply with our legal obligations.

Where applicable laws require that we obtain your consent to collect and
process your Personal Information, we will obtain your consent
accordingly. When we obtain your consent, EU law (where it applies) gives
you the right to withdraw your consent. You can do this at any time by
contacting us using the details at the end of this privacy notice.

In some jurisdictions, your use of the Websites may be taken as implied
consent to the collection and processing of Personal Information as
outlined in this privacy notice.

5. How we may use your personal information

We may use Personal Information about you for our legitimate business interests, including the following:

to facilitate your participation in interactive features you may choose to use on our Websites and
personalize your experience on the Websites by presenting content tailored to you;

to correspond with you, notify you of events or changes to our service, or otherwise to fulfill your requests
and respond to your queries and requests for information, which may include marketing to you; and

for the purposes of providing professional services to you via Willis Towers Watson applications; such
services will be subject to additional terms and conditions of use including privacy; and

6. Disclosure of your personal information

Willis Towers Watson may disclose your Personal Information to any Willis Towers Watson group company for the
uses and purposes set out above, including for marketing the products and services offered by other businesses
across the Willis Towers Watson group (subject to applicable laws). We may also disclose your Personal
Information to third parties for the following reasons:

to third party service providers such as entities providing customer service, email delivery, auditing,
hosting our website and other services;

to third parties involved with events that you register for, to facilitate your participation in those
events;

if we are obliged to disclose your Personal Information under applicable law or regulation, which may include
laws outside your country of residence;

in order to enforce or apply our Website terms of use, or to protect the rights, privacy, safety or property
of Willis Towers Watson, our clients, affiliates or other parties;

subject to applicable laws, to respond to requests from courts, law enforcement agencies, regulatory
agencies, and other public and government authorities, which may include such authorities outside your country
of residence;

in the event of any reorganization, merger, sale, joint venture, assignment, transfer or other disposition of
all or any portion of our business, assets or stock (including in connection with any bankruptcy or similar
proceedings); and

in accordance with the separate terms and conditions of use that may attach to Willis Towers Watson website
links.

7. Other information we may collect

"Other Information" is any information about Website users that does not
directly identify an individual. Where Other Information is capable of
being used indirectly or combined with other information to identify an
individual, we treat Other Information in the same way as Personal
Information under this privacy notice.

Willis Towers Watson may collect Other Information in various ways.

For instance, when you visit our Websites, our server may record your IP
address. We use IP addresses for purposes such as calculating usage
levels, diagnosing server problems and administering the Websites. We may
also derive your approximate location and company details from your IP
address. Willis Towers Watson may also gather Other Information such as
the type of your internet browser, your Media Access Control (MAC)
address, computer type (Windows or Macintosh), screen resolution,
operating system name and version, device manufacturer and model,
language, and the name and version of the Websites you are using, which
Willis Towers Watson uses to provide you with a more effective service.

Cookies: Additionally, when you visit our Websites, Willis Towers Watson
may store a 'cookie' on the hard drive of your computer.
Cookies are small text files that a website transfers to your hard drive
to store and sometimes collect information about your usage of websites,
such as time spent on the Websites, pages visited, language preferences,
and other anonymous traffic data. We use the information for security
purposes, to facilitate navigation, to display information more
effectively, to personalize your experience while using the Websites and
to recognize your computer in order to assist your use of the Websites. We
also gather statistical information about use of the Websites in order to
continually improve their design and functionality, understand how they
are used and assist us with resolving questions regarding them.

You can control the way in which cookies are used by altering your browser
settings. You may refuse to accept cookies by activating the setting on
your browser that allows you to reject cookies. However, if you select
such a setting, this may affect the functioning of our Websites. Unless
you have adjusted your browser setting so that it will refuse cookies, our
system will issue cookies when you access or log on to our Websites. To
find out more about cookies, including how to see what cookies have been
set and how to manage and delete them, visit www.aboutcookies.org or
www.allaboutcookies.org. For more information about the use of cookies on
our Websites and your choices regarding the placement of cookies, please
see our Cookie Notice.

Google Analytics: Our Websites use Google Analytics, which uses cookies
and similar technologies to collect and analyze information about use of
the Websites and report on activities and trends. This service may also
collect information regarding the use of other websites, apps and online
resources. You can learn about Google's practices by going to
www.google.com/policies/privacy/partners/, and you can opt out of them by
downloading the Google Analytics opt-out browser add-on, available at
https://tools.google.com/dlpage/gaoptout.

Do Not Track signals: Please note that our Websites do not recognize or
respond to any signal which your browser might transmit through the
so-called 'Do Not Track' feature your browser might have.
Enabling such feature on your browser will not necessarily affect the way
in which our Websites operate, and if you wish to disable cookies on our
Websites, you should not rely on any 'Do Not Track' feature
your browser might have.

Pixel tags and other similar technologies: Pixel tags (also known as web
beacons and clear GIFs) may be used in connection with some Websites to,
among other things, track the actions of users of the Websites (including
email recipients), measure the success of our marketing campaigns and
compile statistics about usage of the Websites and response rates.

From you: Information such as your preferred means of communication is
collected when you voluntarily provide it.

8. Aggregated data

We may aggregate data about Website users or analytical purposes.
Aggregated data is not capable of being used to identify individuals and
is not treated as Personal Information under this privacy notice.

9. Security

Willis Towers Watson maintains appropriate technical and organizational
security measures to protect the security of your data against loss,
misuse, unauthorized access, disclosure or alteration. Despite this, the
security of the transmission of information via the Internet cannot always
be guaranteed and you acknowledge this in your access and use of our
Websites. If you have reason to believe that your interaction with us is
no longer secure (for example, if you feel that the security of your
account has been compromised), please immediately notify us in accordance
with the "Contact & Comments" section below.

10. Choices and access

You may opt out from receiving marketing-related communications from us on
a going-forward basis by contacting us or by using the unsubscribe
mechanism contained in each email. We will try to comply with your
request(s) as soon as reasonably practicable. Please note that if you opt
out of receiving marketing-related emails from us, we may still send you
important administrative messages, from which you cannot opt out.

If you would like to review, correct, update, suppress, or restrict the
processing of your Personal Information or request a copy of Personal
Information about you, you may contact us by sending us an email at
dataaccessrequest@willistowerswatson.com or sending your request by postal
mail to the address provided in the "Contact & Comments" section
below.

In your request, please make clear what Personal Information you would
like to have changed, whether you would like to have your Personal
Information suppressed from our database or otherwise let us know what
limitations you would like to put on our use of your Personal Information.
For your protection, we may only implement requests with respect to the
Personal Information associated with the particular email address that you
use to send us your request, and we may need to verify your identity
before implementing your request. We will try to comply with your request
as soon as reasonably practicable.

Please note that we may need to retain certain information for
recordkeeping purposes and/or to complete any transactions that you began
prior to requesting a change or deletion. There may also be residual
information that will remain within our databases and other records, which
will not be removed.

11. Retention period

We will retain your Personal Information for the period necessary to
fulfill the purposes outlined in this privacy notice unless a longer
retention period is required or permitted by law.

12. Use of websites by minors

The Websites are not directed to individuals under the age of sixteen
(16), and we request that they not provide Personal Information through
the Websites.

13. Sensitive information

We ask that you not send us, and you not disclose, any sensitive Personal
Information (e.g., national identification numbers, information related to
racial or ethnic origin, political opinions, religion or other beliefs,
health, biometrics or genetic characteristics, criminal background or
trade union membership) on or through the Websites.

14. Changes to our privacy notice

From time to time, we may change our privacy notice. The effective date of
this privacy notice, as indicated at the beginning of this privacy notice,
indicates the last time this privacy notice was revised. Checking this
effective date allows you to determine whether there have been changes
since the last time you reviewed the notice. We will notify you of changes
to this privacy notice by posting the revised privacy notice on our
Websites.

15. Contact and comments

If you have any questions or comments regarding this privacy notice,
please contact our Global Privacy Office, at 800 North Glebe Road,
Arlington, VA 22203 or at privacy@willistowerswatson.com. You have the
right to provide a comment or lodge a complaint with a supervisory
authority regarding this privacy notice.